Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$327,422Cash toward the purchase price.
Closing costs + prepaids$12,466Not just lender fees.
Before credits & paid funds$339,888The complete starting cash picture.
Estimated remaining funds due at closing
$339,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,422.48
Your down payment$327,422.48
Closing costs + prepaids$12,465.90
Total buyer cash needed$339,888.38
Remaining funds due$339,888.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$657.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,147.50
Initial HOA (3 months)$285.00
Prepaid interest, first (24 days)$317.52
Fees + prepaids$12,465.90
Your down payment is the seller’s equity. You take over the $131,578 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $339,888.38 is due at closing. Uses and sources reconcile at $471,465.90 each. Not a Closing Disclosure.